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214 E Wapello St, Agency, IA, 52530

5beds
4baths
3,256sqft
$485,000
$149price/sqft
$3,794/moest. monthly cost
$151,760/yrincome needed

About This Home

Exquisite custom ranch home, this could just be the one! Completely open living space on the main level with windows that bring the outside in. Truly a chef's dream kitchen with plenty of counter and cabinet space and a walk-in pantry with appliance bar. Dining area to accommodate even the largest of dining tables. Living room will allow the whole family to be comfortable and you can see the kids and pets in the yard from this whole space. Auto drapes in the living area. Also, on the main are laundry hookups, two guest/kids' rooms, a full and a half bath, and a massive master bedroom with full bath. The downstairs is made for entertaining! Full bar set up, family room, play/craft/workout area, office, full bath, two bedrooms with egress, and laundry room. There is a well-organized two-car attached garage and if you need even more space a great lofted room that would make a great kid's area, office, or storage. The meticulously maintained yard makes this a show piece of a property. Enjoy evening dinners or morning coffee on the covered deck. Need more room for toys and parking, the adjacent lot at 227 E Main is also for sale with a two-car garage for $24,900, outlined in blue on the last photo. The fridge from the basement will replace the kitchen fridge and those appliances and washer and dryer will convey with the property. If you've been waiting for a home like this, then don't wait too long to set up your showing before it's gone.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

5/10
6/10
Cardinal Junior HighGrades 5-84.2 mi

Construction

Condition

  • Year built: 2020

Materials

  • Construction materials: HardiPlank Type

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Finished area below ground: 1,300
  • Finished area above ground: 1,956

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 3,256 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 002290040064000
  • Zoning: Residential-Single Family

Lot

  • Lot size: 0.31 Acres
  • Lot size dimensions: 102 x 132

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Drought
    DroughtRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Drought
Tornado
Hail
Heat Wave
Inland Flooding
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across Iowa Counties

Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,452$29,424
Home Insurance *$547$6,564
Property Taxes $553$6,636
Electricity $242$2,914
Total$3,794$45,528
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$130,080/yr
40% on housing$113,820/yr
45% on housing$101,173/yr

Iowa FAIR Plan Programs

Iowa FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 1,021Commercial: 22
Total Premiums$1.14M
Total Exposure$85.68M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.9%
12.9%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$149This listing

vs Other Active Listings

Avg $/sqft

ZIP 52530$95
Wapello County$110

vs Homes Sold Last Month

Median $/sqft

ZIP 52530$138
Wapello County$92

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-11Listed for sale$499,000
2023-02-06Sold$435,000
2022-12-29Pending sale$437,000
2022-10-06Price change$437,000
2022-08-15Price change$457,000
2022-07-11Listed for sale$476,000

For Sale by Agent

AgentJason J Carter
BrokerageRE/MAX Pride Oskaloosa

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